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First-level index | Second-level index | Third-level index | Index description |
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Financing enterprise qualification | Profitability | Rate of return on assets | (Total profits + financial expenses)/average total assets |
Return on net assets | Net profit/average balance of shareholders' equity |
Net operating rate | Net profit/operating income |
Management ability | Turnover rate of accounts receivable | Average occupation of operating income/accounts receivable |
Inventory turnover | Operating cost/average inventory occupancy |
Total asset turnover | Operating income/total average assets |
Development ability | Growth rate of operating income | (Operating income for the current period this year - operating income for the same period last year)/operating income for the same period last year |
Net profit growth rate | (Current amount of net profit this year - amount of net profit in the same period last year)/amount of net profit in the same period last year |
Debt-paying ability | Current ratio | Current assets/liabilities |
Quick ratio | (Current assets - inventory)/current liabilities |
Interest protection multiple | (Net profit + income tax expenses + financial expenses)/financial expenses |
Asset-liability ratio | Total liabilities/assets |
Operating environment condition | Macroeconomy environment | Macroeconomic operation state | |
National macrocontrol policy | |
Legal and policy environment | |
Industry development prospect | Industrial policy | |
Industry development stage | |
Industry competition intensity | |
Core enterprise qualification | Profitability | Return on net assets | Net profit/average balance of shareholders' equity |
Operating profit margin | Operating profit/operating income |
Debt-paying ability | Quick ratio | (Current assets - inventory)/current liabilities |
Interest protection multiple | (Net profit + income tax expenses + financial expenses)/financial expenses |
Material characteristics | Price stability | Price fluctuation range of pledged goods in the last quarter |
Cash ability | The ability to sell pledged goods for cash |
The material is easy to be damaged. Degree | The natural property of the material and whether it is conducive to preservation |
Supply chain Operation condition | Close cooperation degree | Cooperation time | Year of cooperation between core enterprises and financing enterprises |
Degree of information sharing | Information sharing degree of B2C supply chain |
Upstream and downstream enterprises Degree of dependence | The degree of connection between the financing enterprise and the core enterprise |
Previous performance situation | Financing enterprise Breach of contract record | Whether to breach the contract or not |
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